Upper Kalskag at a glance
- Population: 209 residents, the 100th-largest of 149 places in Alaska (US Census Bureau, Vintage 2023).
- 2020 Census base: 216 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 3.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Alaska places: 100th of 149 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 33% of Alaska's places have fewer residents (US Census Bureau).
- Coordinates: 61.5392, -160.3509 (US Census Bureau Gazetteer).
- Nearest larger cities: Lower Kalskag, AK (2 mi); Aniak, AK (27 mi); Russian Mission, AK (37 mi); Akiak, AK (52 mi); Marshall, AK (61 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Chuathbaluk, AK (36 mi); Holy Cross, AK (47 mi); Anvik, AK (76 mi) (US Census Bureau estimates).
What a personal loan costs in Upper Kalskag
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Alaska lending rules that apply in Upper Kalskag
The sourced rows below are the rules a licensed lender must follow when lending in Alaska, and therefore in Upper Kalskag.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Permitted — licensed deferred deposit advances; max $500 outstanding per borrower; origination fee ≤$5; fee ≤$15 per $100 or 15%; minimum 14-day term Source says: "may not make advances to an advance recipient that exceed $500 outstanding in advances to the recipient at one time"; "a fee that does not exceed $15 for each $100 of an advance, or 15 percent of the total amount of the advance". | Alaska Legislature — Alaska Statutes §§ 06.50.410, 06.50.460 as of 2026-09-16 |
| Small-loan / installment lender licensing | License required from the department to make loans of $25,000 or less at above-legal rates; $25,000 liquid assets and $25,000 bond required Source says: "without first obtaining a license from the department"; "liquid assets of at least $25,000". | Alaska Legislature — Alaska Statutes §§ 06.20.010, 06.20.040 as of 2026-09-16 |
| State lending regulator | Alaska Department of Commerce, Community, and Economic Development (Division of Banking and Securities) Source says: "department means the Department of Commerce, Community, and Economic Development". The Division of Banking and Securities (commerce.alaska.gov/web/dbs) administers the department's lending license programs. | Alaska Legislature — Alaska Statutes § 06.50.900(5) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10.5% per annum default; by contract, the greater of 10% or 5 percentage points above the 12th Federal Reserve District advance rate (loans over $25,000 exempt) Source says: "The rate of interest in the state is 10.5 percent a year and no more on money after it is due"; "more than the greater of 10 percent or five percentage points above the annual rate charged member banks for advances by the 12th Federal Reserve District". | Alaska Legislature — Alaska Statutes § 45.45.010 as of 2026-09-16 |
How to compare offers in Upper Kalskag
Run through this list before signing anything in Upper Kalskag:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Alaska using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.